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PENSION PLAN FOR ROSHAN DIGITAL ACCOUNT CUSTOMERS*

Retirement planning is one of the most important life-stage goals! With Meezan Roshan Pension Plan (RPP), Overseas Pakistanis can start preparing for their retirement today through their Roshan Digital Account (RDA).


Being offered for the first time, the Roshan Pension Plan (RPP) gives Overseas Pakistanis the benefit to plan their retirement at their convenience from anywhere around the globe and enjoy exclusive plans with competitive returns.


The Roshan Pension Plan is a defined self-contributory pension scheme open to all Overseas Pakistanis. Under the Roshan Pension Plan (RPP), all employed and self-employed individuals can voluntarily contribute to a pension fund starting with as low as PKR 10,000/- during their working life to receive regular income after retirement.


*All investments in Roshan Pension Plan are managed by Al-Meezan Investment Management Limited (AMIM) under their Meezan Tahafuz Pension Fund (MTPF) while Meezan Bank is acting as a distributor to the same.

eligibility criteria

Eligibility Criteria

The Roshan Pension Plan (RPP), under Voluntary Pension Scheme (VPS), is a personalized and self-contributory savings plus investment scheme open to all Overseas Pakistanis that offers higher expected long-term returns according to the risk-taking ability of the investors.


The following requirements must be met to contribute to the pension program:

  • Roshan Digital Accountholders
  • Employed or self-employed individuals, above 18 years of age.
  • Individuals with Computerized National Identity Card/ National Identity Card for Overseas Pakistanis (CNIC/NICOP).

Key Features & Benefits

  • A convenient investment mechanism that offers long-term growth and capital appreciation solution for a comfortable post retirement life.
  • An individualized pension account in customer’s name.
  • Opportunity to choose asset allocation as per one’s risk appetite (Three available allocation schemes based on three Sub-Funds).
  • Option to invest as per convenience without any risk of penalties on missing payments.
  • Exclusive plans with zero front-end load.
  • Only up-to 1.5% Management Fee, to be charged by AMIM.

Terms & Conditions

  • Employed or self-employed individuals, above 18 years of age having a Roshan Digital PKR account.
  • Minimum investment balance of PKR 10,000/-* OR Pension fund starting from as low as PKR 10,000/- during the applicant’s working life.
  • 25 years maximum period of investment, locked from the date of initial investment or between the age of 60 to 70 years of the applicant.
  • A participant at any time before retirement shall be entitled to redeem the total or part of his/her accumulation subject to payment of tax @ of his/her average tax rate of the preceding three years.
Financing Tiers

Pension Schemes

Customers May Choose or Switch Among the Following Three Allocation Schemes to Suit Their Needs

EQUITY SUB FUND INCOME SUB FUND MONEY MARKET SUB FUND
Medium Volatility 50% 40% 10%
Low Volatility 25% 60% 15%
Lower Volatility NIL 50% 50%
Risk Disclaimer: All investments in Mutual Funds & Pension Funds are subject to market risks. Past performance is not necessarily an indicator of future results. Please read the offering document to understand the investment policies, risk and tax implications involved. This is for general purpose information only.